# Zapyd

- [Zapyd · Infrastructure for the new money](https://docs.zapyd.com/introduction.md): One API to move money between bank accounts and stablecoins, at home or across borders. Onramp, offramp and cross-border payments with local rails and global reach.
- [Overview](https://docs.zapyd.com/guides/getting-started/overview.md): What Zapyd does, its four products, and how every order works end to end.
- [Quickstart](https://docs.zapyd.com/guides/getting-started/quickstart.md): Make your first signed request and complete a sandbox order in about 10 minutes.
- [Core concepts](https://docs.zapyd.com/guides/getting-started/core-concepts.md): Objects, base URLs, the response envelope, amounts, idempotency and order statuses.
- [Choose your integration](https://docs.zapyd.com/guides/getting-started/choose-integration.md): Compare Core APIs, the widget and the Client Dashboard by effort, control and time to launch.
- [Build with AI](https://docs.zapyd.com/guides/getting-started/build-with-ai.md): Give coding agents llms.txt, the docs MCP server, the OpenAPI spec and a ready-made prompt.
- [Onboarding overview](https://docs.zapyd.com/guides/customers/overview.md): Pick the right onboarding flow for each product and country, and create customers.
- [KYC sharing](https://docs.zapyd.com/guides/customers/kyc-sharing.md): Submit KYC data you already verified, then fix failures one check at a time.
- [KYC SDK (hosted)](https://docs.zapyd.com/guides/customers/kyc-sdk.md): Redirect users to Zapyd's hosted verification and get the result by webhook.
- [KYC SDK demo (India)](https://docs.zapyd.com/guides/customers/kyc-demo-india.md): Every screen an Indian user sees in the hosted KYC flow.
- [Payout-only onboarding](https://docs.zapyd.com/guides/customers/payout-only-onboarding.md): Onboard payout beneficiaries in the UAE, UK, SEPA, Brazil, Mexico, the US and more.
- [Bank accounts and wallets](https://docs.zapyd.com/guides/customers/bank-accounts-and-wallets.md): Add and verify bank accounts per rail, and save customer crypto wallets.
- [Payins (onramp)](https://docs.zapyd.com/guides/payments/payins.md): Turn a user's bank transfer into stablecoins, from quotation to webhook.
- [Payouts (offramp)](https://docs.zapyd.com/guides/payments/payouts.md): Send stablecoins and pay out fiat to a bank account, from quotation to webhook.
- [Prefunded payouts](https://docs.zapyd.com/guides/payments/prefunded-payouts.md): Pay out from a stablecoin balance you top up in advance, with no transfer per order.
- [Cross-border payments](https://docs.zapyd.com/guides/payments/cross-border-payments.md): Move fiat between countries through stablecoins: an onramp in one market, an offramp in another.
- [Rates, quotes and fees](https://docs.zapyd.com/guides/payments/rates-quotes-fees.md): Indicative rates, locked quotations, the fees breakdown and risk parameters.
- [Limits and EDD](https://docs.zapyd.com/guides/payments/limits-and-edd.md): Check customer limits, and submit Enhanced Due Diligence to raise them.
- [Widget](https://docs.zapyd.com/guides/no-code/widget.md): Launch payins and payouts with a hosted link or an embedded, prefilled widget.
- [Client Dashboard](https://docs.zapyd.com/guides/no-code/client-dashboard.md): Manage customers, KYC and orders from a hosted operator portal, with no code.
- [User journey](https://docs.zapyd.com/guides/no-code/user-journey.md): What users see in the widget, and the webhook each stage sends.
- [Authentication](https://docs.zapyd.com/guides/development-and-testing/authentication.md): Sign every request with HMAC-SHA256, with helpers in three languages and a test vector.
- [Webhooks](https://docs.zapyd.com/guides/development-and-testing/webhooks.md): Receive, verify and deduplicate signed events for every status change.
- [Sandbox testing](https://docs.zapyd.com/guides/development-and-testing/sandbox-testing.md): Test every flow without real money, using mock endpoints and testnet funds.
- [Error handling](https://docs.zapyd.com/guides/development-and-testing/error-handling.md): Error format, HTTP status codes, retries, and what to show users.
- [Status reference](https://docs.zapyd.com/guides/development-and-testing/status-reference.md): Every status, how it transitions, and what your integration should do.
- [Go-live checklist](https://docs.zapyd.com/guides/development-and-testing/go-live.md): The rules Zapyd enforces, and everything to check before production.
- [Supported geographies](https://docs.zapyd.com/guides/country-guides/geographies.md): Markets and currencies for payins, payouts and cross-border payments.
- [India overview](https://docs.zapyd.com/guides/country-guides/india/overview.md): Everything to integrate INR payins, payouts and remittance, on one page.
- [Understanding UTR numbers](https://docs.zapyd.com/guides/country-guides/india/understanding-utr.md): UTR formats by payment method, and where users find them.
- [UPI QR codes](https://docs.zapyd.com/guides/country-guides/india/qr-integration.md): Turn the payin quotation's UPI deep link into a scannable QR code.
- [EDD document requirements](https://docs.zapyd.com/guides/country-guides/india/edd-guide.md): Documents Indian users must provide for each declared EDD purpose.
- [United States overview](https://docs.zapyd.com/guides/country-guides/united-states/overview.md): Everything to integrate USD payins, payouts and cross-border payments, on one page.
- [Stablecoins and networks](https://docs.zapyd.com/guides/support/stablecoins-and-networks.md): Supported assets and networks, API codes and address formats.
- [FAQ](https://docs.zapyd.com/guides/support/faq.md): Answers about access, sandbox, signing errors, KYC, webhooks and fees.
- [Introduction](https://docs.zapyd.com/api-reference-exchange/overview/introduction.md): Overview of the Zapyd REST API for payins, payouts, KYC and webhooks.
- [Authentication](https://docs.zapyd.com/api-reference-exchange/overview/authentication.md): The X-API-KEY, X-TIMESTAMP and X-SIGNATURE headers, the HMAC-SHA256 signing string, the base URL for each module, and a test vector.
- [Webhooks](https://docs.zapyd.com/api-reference-exchange/overview/webhooks.md): Signed POST callbacks for payin, payout, KYC, bank and EDD events.
- [Error codes](https://docs.zapyd.com/api-reference-exchange/appendix/error-codes.md): Every err_code the API returns, what it means and how to fix it.
- [Failure Reason Reference](https://docs.zapyd.com/api-reference-exchange/appendix/failure-reason-reference.md): Values of failure_reason when an operation returns status FAILED.
- [Create Customer](https://docs.zapyd.com/api-reference-exchange/endpoint/customer/create.md): Creates a customer. Email, phone and client reference ID must each be unique within your organization.
- [Fetch Customer](https://docs.zapyd.com/api-reference-exchange/endpoint/customer/{customer_id}.md): Returns a customer's profile and status.
- [List Customers](https://docs.zapyd.com/api-reference-exchange/endpoint/customer/list.md): Lists your organization's customers.
- [Fetch KYC Configuration](https://docs.zapyd.com/api-reference-exchange/endpoint/kyc/configuration-{customer_id}.md): Returns a customer's KYC configuration, including which fields are required.
- [Generate KYC Link](https://docs.zapyd.com/api-reference-exchange/endpoint/kyc/generate-link.md): Generates a hosted KYC link for a customer. US customers can complete KYC only through this link.
- [Add KYC Data](https://docs.zapyd.com/api-reference-exchange/endpoint/kyc/add-kyc-data.md): Submits a customer's identity documents and personal details and starts KYC verification.
- [Update Tax Information](https://docs.zapyd.com/api-reference-exchange/endpoint/kyc/update-tax-info.md): Updates the tax identification details on a customer's KYC record.
- [Update Document Information](https://docs.zapyd.com/api-reference-exchange/endpoint/kyc/update-document-info.md): Updates the identity document details on a customer's KYC record.
- [Update Selfie Information](https://docs.zapyd.com/api-reference-exchange/endpoint/kyc/update-selfie-info.md): Uploads or replaces the selfie used for the KYC liveness check.
- [Add Bank Account](https://docs.zapyd.com/api-reference-exchange/endpoint/bank/create.md): Adds a bank account to a verified customer, as the payin source or the payout destination. The fields depend on the customer's country.
- [Fetch Bank Account](https://docs.zapyd.com/api-reference-exchange/endpoint/bank/{customer_id}-{bank_id}.md): Returns one of a customer's bank accounts.
- [Fetch Bank Accounts](https://docs.zapyd.com/api-reference-exchange/endpoint/bank/list-{customer_id}.md): Lists a customer's bank accounts.
- [Generate Bank Link](https://docs.zapyd.com/api-reference-exchange/endpoint/bank/generate-link.md): US customers only. Returns a hosted page where the customer links the bank account for ACH_PULL payins.
- [Delete Bank Account](https://docs.zapyd.com/api-reference-exchange/endpoint/bank/delete.md): Deletes a customer's bank account.
- [Add Wallet](https://docs.zapyd.com/api-reference-exchange/endpoint/wallet/add.md): Adds a crypto wallet address to a customer, or updates it if it already exists. Wallets with a label form the customer's address book.
- [Fetch Wallet](https://docs.zapyd.com/api-reference-exchange/endpoint/wallet/{customer_id}-{wallet_id}.md): Returns one of a customer's wallets by its integer wallet ID.
- [List Wallets](https://docs.zapyd.com/api-reference-exchange/endpoint/wallet/list.md): Lists active, labelled wallets (the address book), with filters and pagination.
- [Delete Wallet](https://docs.zapyd.com/api-reference-exchange/endpoint/wallet/delete.md): Deletes a customer's wallet.
- [Create Payout Customer](https://docs.zapyd.com/api-reference-exchange/endpoint/customer/payout-create.md): Creates a beneficiary customer for a payout-only corridor, such as India, SEPA, the UK, the UAE or Brazil.
- [Add Payout KYC](https://docs.zapyd.com/api-reference-exchange/endpoint/kyc/payout-add-kyc-data.md): Creates the payout-only KYC profile for a beneficiary customer. The tax number is optional.
- [Add Payout Sender KYC](https://docs.zapyd.com/api-reference-exchange/endpoint/kyc/payout-add-sender-kyc-data.md): Submits the beneficiary's address and the country-specific identity fields that the payout requires.
- [Update Payout KYC Details](https://docs.zapyd.com/api-reference-exchange/endpoint/kyc/payout-update-additional-details.md): Updates the documents, address or tax number on a payout-only KYC profile.
- [Add Payout Bank Account](https://docs.zapyd.com/api-reference-exchange/endpoint/bank/payout-create.md): Adds a beneficiary bank account for a payout-only corridor. The identifiers depend on the country.
- [Configuration](https://docs.zapyd.com/api-reference-exchange/endpoint/payin/config/configuration.md): Returns your organization's payin configuration: supported currencies, assets and transaction limits.
- [Fetch Rate](https://docs.zapyd.com/api-reference-exchange/endpoint/payin/config/fetch-rate.md): Returns the current fiat-to-crypto rate for payins.
- [Create Quotation](https://docs.zapyd.com/api-reference-exchange/endpoint/payin/quotation/quotation.md): Creates a payin quotation that fixes the exchange rate. The quotation ID is valid for a fixed period.
- [Fetch Quotation](https://docs.zapyd.com/api-reference-exchange/endpoint/payin/quotation/quotation-{quotation_id}.md): Returns a payin quotation's details and current status.
- [Create Payin](https://docs.zapyd.com/api-reference-exchange/endpoint/payin/order/initiate.md): Starts a payin order from a valid quotation that has not expired.
- [Fetch Payin](https://docs.zapyd.com/api-reference-exchange/endpoint/payin/order/{payin_id}.md): Returns a payin order's details and current status.
- [Fetch Payin History](https://docs.zapyd.com/api-reference-exchange/endpoint/payin/order/history.md): Lists your organization's payin orders, with pagination.
- [Configuration](https://docs.zapyd.com/api-reference-exchange/endpoint/payout/config/configuration.md): Returns your organization's payout configuration: supported currencies, assets and transaction limits.
- [Fetch Rate](https://docs.zapyd.com/api-reference-exchange/endpoint/payout/config/fetch-rate.md): Returns the current crypto-to-fiat rate for payouts.
- [Create Quotation](https://docs.zapyd.com/api-reference-exchange/endpoint/payout/quotation/quotation.md): Creates a payout quotation that fixes the exchange rate. Returns a crypto deposit address and a quotation ID that is valid for a fixed period.
- [Fetch Quotation](https://docs.zapyd.com/api-reference-exchange/endpoint/payout/quotation/quotation-{quotation_id}.md): Returns a payout quotation's details and current status.
- [Create Payout](https://docs.zapyd.com/api-reference-exchange/endpoint/payout/order/initiate.md): Starts a payout order from a valid quotation that has not expired. Check the wallet address and blockchain first: crypto sent to a wrong address cannot be recovered.
- [Fetch Payout](https://docs.zapyd.com/api-reference-exchange/endpoint/payout/order/{payout_id}.md): Returns a payout order's details and current status.
- [Fetch Payout History](https://docs.zapyd.com/api-reference-exchange/endpoint/payout/order/history.md): Lists your organization's payout orders, with pagination.
- [Fetch Balance](https://docs.zapyd.com/api-reference-exchange/endpoint/remittance-payout/balance.md): Returns the prefunded wallet's available balance for each asset. The value is cached briefly.
- [Fetch Configuration](https://docs.zapyd.com/api-reference-exchange/endpoint/prefunded-payout/configuration.md): Returns the payout configuration (fiats, assets and limits) for organizations with a prefunded wallet.
- [Fetch Rate](https://docs.zapyd.com/api-reference-exchange/endpoint/prefunded-payout/fetch-rate.md): Returns the current payout rate on your prefunded wallet's network.
- [Create Quotation](https://docs.zapyd.com/api-reference-exchange/endpoint/prefunded-payout/quotation.md): Creates a payout quotation funded from your prefunded balance.
- [Fetch Quotation](https://docs.zapyd.com/api-reference-exchange/endpoint/prefunded-payout/quotation-{quotation_id}.md): Returns a prefunded payout quotation by ID.
- [Create Payout](https://docs.zapyd.com/api-reference-exchange/endpoint/prefunded-payout/initiate.md): Creates a payout paid from your prefunded balance, with a sender and a receiver customer.
- [Fetch Payout](https://docs.zapyd.com/api-reference-exchange/endpoint/prefunded-payout/{payout_id}.md): Returns a prefunded payout by ID, with its sender and receiver customers.
- [Payout History](https://docs.zapyd.com/api-reference-exchange/endpoint/prefunded-payout/history.md): Lists prefunded payouts, with filters and pagination.
- [Add KYC Data](https://docs.zapyd.com/api-reference-exchange/endpoint/kyc/remittance-beneficiary-kyc.md): Completes the reduced KYC for a remittance beneficiary (an Indian or Chinese customer). The tax number (PAN) is optional.
- [Create Remitter](https://docs.zapyd.com/api-reference-exchange/endpoint/kyc/remitter/create.md): Creates a remitter, the sending party. You need one before you request a remittance payout quotation.
- [List Remitters](https://docs.zapyd.com/api-reference-exchange/endpoint/kyc/remitter/list.md): Lists your organization's remitters, with search, a residence-country filter and pagination.
- [Create Quotation](https://docs.zapyd.com/api-reference-exchange/endpoint/remittance-payout/quotation.md): Creates a remittance payout quotation from receiving_amount, the fiat amount the beneficiary receives.
- [Create Payout](https://docs.zapyd.com/api-reference-exchange/endpoint/remittance-payout/initiate.md): Creates a payout in the remittance flow. It works like Create Payout but requires a remitter_id.
- [Payin Limits](https://docs.zapyd.com/api-reference-exchange/endpoint/payin/config/edd-limits-{customer_id}.md): Returns a customer's EDD limits for payins.
- [Save Payin EDD](https://docs.zapyd.com/api-reference-exchange/endpoint/payin/edd/edd-save.md): Submits enhanced due diligence (EDD) details when a payin quotation triggers EDD.
- [Payin EDD Logs](https://docs.zapyd.com/api-reference-exchange/endpoint/payin/edd/edd-list.md): Lists your organization's payin EDD submissions.
- [Payout Limits](https://docs.zapyd.com/api-reference-exchange/endpoint/payout/config/edd-limits-{customer_id}.md): Returns a customer's EDD limits for payouts.
- [Save Payout EDD](https://docs.zapyd.com/api-reference-exchange/endpoint/payout/edd/edd-save.md): Submits enhanced due diligence (EDD) details when a payout quotation triggers EDD. If you already submitted payin EDD, skip this call.
- [Payout EDD Logs](https://docs.zapyd.com/api-reference-exchange/endpoint/payout/edd/edd-list.md): Lists your organization's payout EDD submissions.
- [Configure Webhook](https://docs.zapyd.com/api-reference-exchange/endpoint/organizations/api-webhooks.md): Sets or updates the URL where your organization receives webhook events.
- [Initialize Widget](https://docs.zapyd.com/api-reference-exchange/endpoint/widget/initialize.md): Returns a widget_link that opens the Zapyd widget, optionally prefilled for a buy or a sell.
- [Mock KYC Status [Sandbox Only]](https://docs.zapyd.com/api-reference-exchange/endpoint/kyc/mock-kyc-status.md): Sandbox only. Simulates KYC status changes so you can test your KYC flow.
- [Mock Bank Verification](https://docs.zapyd.com/api-reference-exchange/endpoint/bank/mock-bank-verification.md): Sandbox only. Sets a bank account to VERIFIED, FAILED or MANUAL_REVIEW.
- [Mock Payin Status [Sandbox Only]](https://docs.zapyd.com/api-reference-exchange/endpoint/payin/order/mock-payin-status.md): Sandbox only. Simulates payin order status changes so you can test your onramp flow.
- [Mock Payout Status [Sandbox Only]](https://docs.zapyd.com/api-reference-exchange/endpoint/payout/order/mock-payout-status.md): Sandbox only. Simulates payout order status changes so you can test your offramp flow.
- [Mock Payin EDD Status [Sandbox Only]](https://docs.zapyd.com/api-reference-exchange/endpoint/payin/edd/edd-mock-status.md): Sandbox only. Simulates payin EDD status changes so you can test your EDD flow.
- [Mock Payout EDD Status [Sandbox Only]](https://docs.zapyd.com/api-reference-exchange/endpoint/payout/edd/edd-mock-status.md): Sandbox only. Simulates payout EDD status changes so you can test your EDD flow.
- [Flow Builder](https://docs.zapyd.com/flow-builder.md): Pick a source and a destination and see every API call in order, ready to run against the sandbox.
- [UI Preview](https://docs.zapyd.com/demo.md): Click through a sample app and watch every Zapyd API call, response and webhook it triggers.
- [SDKs](https://docs.zapyd.com/sdks.md): Official Node.js and Python SDKs are coming soon. Until then, call the REST API directly.
- [October 2026](https://docs.zapyd.com/changelog/2026/october.md): US bank linking, mock bank verification, new EDD fields, remittance outside India.
- [September 2026](https://docs.zapyd.com/changelog/2026/september.md): New payout corridors, IN_REVIEW status, amount-aware rates and full remitter identity.
- [August 2026](https://docs.zapyd.com/changelog/2026/august.md): Payout-only onboarding and banking fee disclosure in fetch-rate.
- [July 2026](https://docs.zapyd.com/changelog/2026/july.md): USD onramp and US customers.
- [June 2026](https://docs.zapyd.com/changelog/2026/june.md): Payin initiate takes transaction_reference_id; bank_id is optional on payin quotations.
- [April 2026](https://docs.zapyd.com/changelog/2026/april.md): White-label widget now live across all supported countries.
- [March 2026](https://docs.zapyd.com/changelog/2026/march.md): Client dashboard now live in all supported countries.
- [December 2025](https://docs.zapyd.com/changelog/2025/december.md): Payin refund statuses and reasons, selfie verification and webhook metadata.
- [November 2025](https://docs.zapyd.com/changelog/2025/november.md): Bank failure reasons, machine-readable error codes and KYC response updates.
- [October 2025](https://docs.zapyd.com/changelog/2025/october.md): iOS UPI checkout link added to payin quotation response.
- [August 2025](https://docs.zapyd.com/changelog/2025/august.md): Non-resident customers, KYC configuration endpoint and additional-info changes.
- [July 2025](https://docs.zapyd.com/changelog/2025/july.md): EDD split into payin and payout, limits APIs, new order statuses and UTR guide.

## OpenAPI Specs

- [openapi](/api-reference-exchange/openapi.json)


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